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What To Learn When Considering Pre-Paid Funeral Packages

Being the individual with responsibility for making arrangements when a close family member dies can be stressful and emotional. It is a unique experience every time someone has to take on this responsibility. However, it can be much easier if the deceased has taken time to investigate funeral packages and set up their own plan.

If you choose to make your own plans you have the opportunity to have your wishes carried out precisely. You can make as many of the decisions or as little as you want. You can specify the flowers, the music, the type of casket and how your remains are to be disposed off. Choosing whether to bury, inter or cremate is often the subject of debate and disagreement between family members.

It is not unusual to have a family plot or vault in a graveyard. As the plot or vault belongs to the family, it needs to be a joint decision as to who is entitled to use it. The funeral director can purchase a plot on behalf of the family as part of a plan.

Payment can be made in advance or deferred until after death. Prices fluctuate over time, usually up rather than down which can affect costs. A sensible approach is to check on costs and plans every two or three years to ensure there are no major changes.

Your contract for a pre-payment plan should be read in detail. It should contain clauses setting out how any potential increases will affect your plan. The contract should also spell out how your cash will be invested and safeguarded until it is needed.

State regulations govern the sale of funeral packages and how the funds are invested and protected. Before signing up to a pre-payment plan individuals should be familiar with the rules that apply in their home state.